Loan Types

Owner Builder

Owner/builder projects are when the homeowner acts as the general contractor on the home.

CCS Loans has had great success with owner builder projects. Owner/builders take great pride in their projects and are great to work with during the draw process. Please visit the product guide for qualifications and requirements for owner/builders.

CCS Loans lends in Utah and Idaho.

Our experienced underwriters have lent on hundreds of properties in our lending markets.

Local Underwriting

Work with your underwriter for a change, talk to the decision makers who will approve your loan.

10% Down

CCS Loans has the most competitive rates and down payment requirements in the market.

Mortgage Brokers

Our business is founded upon a client base of mortgage brokers.

We understand the value of common sense underwriting, and your relationship with the homeowner.  Our goal is to help you close more construction loans, and with the difficulties of the mortgage industry today, working with CCS Loans will be a breath of fresh air!

Custom Builders

Builders love working with CCS Loans during the draw process.

You will have one point of contact for all your draws who knows your project.  The draw department understands the pressure you are under to get your subs and suppliers paid.  Complete draws are paid out very quickly, with a variety of delivery methods available.

New Home Construction

New home construction is the most common type of project at CCS Loans.

Most projects are built by a general contractor, who also manages the draw process.  Homeowners approve each draw, and builders submit the draw along with the invoices to be paid.  Payments are made directly to subs and suppliers for the work on the home.  For more disbursement tips and procedures, go to the video gallery for the draw process webcast.


Large additions or rehab projects work similarly to a new home project with regards to a construction loan.

Instead of disbursing for a lot, the construction loan will pay off the existing loan on the home, and finance the planned construction costs.  When the work is finished, the long-term loan will pay off the construction loan, and payments will commence.

Our staff’s experience funding hundreds of loans in our lending area gives us the advantage in understanding your construction project.

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